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  • 22.09.2015 Over £21.5 million given out in loans since 2002
  • 22.09.2015 Essential Household Items Loan list is currently CLOSED.
  • 22.09.2015 Loan 3 list is currently CLOSED.

Savings Based Loans

Savings Based Loans, are the main type of loan offered by Halton Credit Union. You need to be a member and saving on a regular basis. 
The loans are based upon our loans policy, a pdf of our current policy can be found at the bottom of the page. Our policy will show how much you can borrow, and the period to be paid back over. 
Our current interest rate on these loans is 19.6%APR on the reducing balance, an explanation on how this works can be found here
Members are able to borrow double the amount they have saved, based upon saving regularly, and the limits within the loans policy.  
Members may apply for loans after 13 weeks of membership, and after every 13 weeks of payments there after. 
Want to see how much a loan would cost you? Check out our Loan Calculator

Halton Credit Union Limited.
Registered Office: 115-116 Runcorn Shopping Centre, Runcorn, Cheshire, WA7 2BY.
Tel:01928 790571
Widnes Office: 27 Queens Avenue, Widnes, Cheshire, WA8 8HR.
Tel:0151 257 8753

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration Number: 213805.